This schedule for all savings and checking accounts sets forth certain conditions, fees, and charges applicable to your accounts at Northeast Community Credit Union as of October 1, 2016. This schedule is incorporated as part of your Member Application and account agreements.


Checking Account Monthly Service Charge

Totally Free Checking, College Life Checking, Student Checking

Business Checking

High Interest Checking

Opportunity Accounts

Money Market Checking


Other Fees and Charges

Account Closure within 90 days of opening

ATM transaction fee

*ATM/VISA Check Card-Replacement Card

ATM/VISA Check Card/Audio-Replacement PIN

*Cashier/Teller Check under $500

*Check Cashing Fee


Check Card Transactions (within the U.S.)

Check Card for 2nd Chance Opportunity Accounts (if approved)

Check Deposited or Cashed (if check is returned as not good)


*Check Orders & Accessories

Copy of Check or Draft

*Courtesy Overdraft Payment

Deposit Account Verification


Electronic Transactions: Research or receipt copies


Foreign Bank check deposited or cashed

Foreign Check Card trans. fee (foreign transactions blocked unless member requests in writing)

Mobile and Online Banking

Inactivity Fee (no account activity in 6 months)

Identity Theft Protection (on checking accounts)

*Insufficient Funds (NSF) check/electronic/draft

*Inquiry/Account History request


Legal Process (levy/warrant/request for records)

Money Order

Online Bill Pay Service


Re-open Closed Share (within 3 months)

Returned Mail Fee

Safe Deposit Box Rental

Special Account Handling and/or Research

Statement Copy

*Stop Payment Fee

*Wire Transfer Fee-inside USA (outside: varies by country)

Notary Public service


*Certain fees may be eliminated or reduced with Loyalty accounts - ask for details






see Money Market agreement for fees if applicable




FREE at our credit union; $1 each at other locations




$0 with active direct deposit, checking, or loan;

without, $5 for checks over $100 and $3 if under $100



Personal Accounts $25 each return

Business Accounts $5 each return

Charges vary by design

$3 (FREE in home banking)

$30 ($27 each if Loyal Home Checking)

$10 each


$6 each +$20/hour

local: FREE; long-distance; $2 per page

$35 or actual charge

actual charge




$30 ($27 if Loyal Home Checking)

printed or verbal: $1/page;

FREE in Mobile & Online Banking and on Automated Phone Teller

$20 each



10 cents per page



Depends on box size: $20/$25/$35/$55


$1 per page printed; FREE statements in E-Statements or Home Banking

$25 each



Fee Schedule


Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The NCUSIF is backed by the full faith and credit of the United States government. Your money is safe with us.


Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union


Lost VISA Check Card

Call 1-800-472-3272

Then call us at 423-547-1200


Lost VISA Credit Card

Call 1-800-558-3424

Then call us at 423-547-1200


Main Office

980 Jason Witten Way

Elizabethton, TN  37643


Member Services Fax: 423-547-3825

Accounting/Admin Fax:



Johnson City Branch

313 W. Oakland Avenue

Johnson City, TN  37604


Fax: 423-722-6230


Elizabethton Branch

1321 Highway 19E

Elizabethton, TN  37643


Fax: 423-543-7783


Roan Mountain Branch

8301 Highway 19E

Roan Mountain, TN 37687


Fax: 423-772-0004


ABA / Routing #  264278827

NMLS #520867



Hours of Operation

Monday through Thursday

8:30a.m. to 4:30 p.m.

Drive-thru opens at 8 a.m.



8:30 a.m. to 5:00 p.m.

Drive-thru opens at 8 a.m.



(Drive-thru only)

9:00 a.m. to Noon

External Link Disclaimer: *Every time you click on an external link, you may be leaving  the NCCU web site and linking to an alternate web site that is not operated by NCCU. The appearance of a link on this or any other Northeast Community Credit Union page constitutes neither an endorsement nor recommendation by NCCU. The presence of a link in any way should not be construed as a suggestion that the site has any relationship with NCCU. When viewing these pages please remember that: (1) NCCU is not responsible for the content, product or services advertised on those sites; (2) NCCU does not guarantee the products, information, or recommendations provided by linked sites; (3) NCCU is not liable for any failure of products or services advertised on those sites; (4)“NCCU does not represent either the third party or the member if the two enter into a transaction (5)The linked website may have a privacy policy different than that of NCCU; (6) The linked website may provide less security than that of NCCU's website.